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216 N Union Ave, Havre De Grace, MD, 21078

4beds
3baths
2,276sqft
$450,000
$198price/sqft
$3,049/moest. monthly cost
$121,960/yrincome needed

About This Home

Getting Around

78
WalkingVery Walkable
0
TransitVery Limited Transit
63
BikeBikeable

Schools

7/10
6/10

Construction

Condition

  • Year built: 1880

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Refrigerator,Oven/Range - Gas,Microwave,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Unfinished,Dirt Floor

Bathroom1

  • Level: Upper

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main

Features

  • Bathroom - Stall Shower,Bathroom - Tub Shower,Bathroom - Walk-In Shower,Built-in Features,Dining Area,Open Floorplan,Flat,Primary Bath(s),Upgraded Countertops
  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 2,276

Half Bath

  • Level: Main

Heating & Cooling

  • Heating features: Radiator,Natural Gas
  • Cooling features: Ductless,Window Unit(s),Electric

Interior Area

  • Total structure area: 2,980
  • Total interior livable area: 2,276 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Loft

  • Level: Upper

Office

  • Level: Main

Primary Bathroom

  • Level: Upper

Primary Bedroom

  • Level: Upper

Screened Porch

  • Level: Main

Sitting Room

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1306015697
  • Zoning: RO
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Screened Porch

Lot

  • Lot size: 6,336 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Rear,Detached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Cold Wave
Heat Wave
Inland Flooding
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,275$27,300
Home Insurance *$129$1,548
Property Taxes $356$4,272
Electricity $289$3,479
Total$3,049$36,588
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,537/yr
40% on housing$91,470/yr
45% on housing$81,306/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$198This listing

vs Other Active Listings

Avg $/sqft

ZIP 21078$175
Harford County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 21078$209
Harford County$207

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2024-06-08Listing removed--
2024-05-20Listed for rent$3,000
2020-08-03Sold$250,000

Coming Soon

AgentLois Alberti
BrokerageAlberti Realty, LLC

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